TWIN LAKES ESTATES
Homes for Sale in UMATILLA, FL
True comps, carrying-cost math, and listings before the portals.
TWIN LAKES ESTATES right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of August 2, 2026. Confidence: Medium (4 active and pending listings, 3 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($372K) is up 16.5% from the prior 12 months ($320K). With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending August 2. Confidence: Low (3 and 8 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 2, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
TWIN LAKES ESTATES market snapshot (as of August 2, 2026): the median sale price is about $372K ($207 per sq ft over the trailing 12 months of closed sales), a median 9 days on market for closed sales, and 12.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 16% from the prior 12 months, computed from record-level Stellar MLS closed sales (3 closings in the current window).
TWIN LAKES ESTATES is a community of 94 homes in UMATILLA, Lake County, built between 2001 and 2024 (median 2005), with a median living area of about 1,510 square feet. 81% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of TWIN LAKES ESTATES. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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TWIN LAKES ESTATESPrice History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($372K) IS the median in the snapshot above, and the move from 2025 ($320K) IS the +16.5% one-year change.
Windows contain 0 to 8 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Lake County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Lake County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
TWIN LAKES ESTATES Market Scorecard
TWIN LAKES ESTATES is currently a strong buyer's market. About 18.0 months of supply, a median asking price of $369,000, and homes go under contract in about 67 days.
Typical home value in the 32784 ZIP is $294,131, about 15.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in TWIN LAKES ESTATES, UMATILLA
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in TWIN LAKES ESTATES
Live MLS inventory for TWIN LAKES ESTATES. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 112 daysTop listing
Active · 41 days
Active · 43 days
Active · 113 daysActive and pending TWIN LAKES ESTATES listings as of 2026-08-23, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026. Tap any home to ask about it.
TWIN LAKES ESTATES on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at TWIN LAKES ESTATES
- Gated Community - No Guard · reported on 8 of 8 listings
- Pool · reported on 6 of 8 listings
- Clubhouse · reported on 5 of 8 listings
- Gated · reported on 5 of 8 listings
- Deed Restrictions · reported on 4 of 8 listings
- Golf Carts OK · reported on 2 of 8 listings
- Buyer Approval Required · reported on 2 of 8 listings
- Special Community Restrictions · reported on 2 of 8 listings
- Fence Restrictions · reported on 1 of 8 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Lake County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Umatilla Elem · Elementary
- Umatilla Middle · Middle
- Umatilla High · High
Zoned schools reflect the assignments reported on recent TWIN LAKES ESTATES listings and can change; always confirm with Lake County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any TWIN LAKES ESTATES address.
The TWIN LAKES ESTATES buying strategy.
If we were buying in TWIN LAKES ESTATES today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in TWIN LAKES ESTATES.
A closer look at the TWIN LAKES ESTATES market
At a median of $207 per square foot, TWIN LAKES ESTATES prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 12.0 months of supply, a buyer-leaning market and the trailing-12-month median up 16% year over year. Homes that do trade take a median 9 days on market, useful leverage on any listing that has lingered.
The housing stock is 94 homes built between 2001 and 2024, and 81% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in TWIN LAKES ESTATES. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in TWIN LAKES ESTATES buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (5.6). Basis: Recent Direction +16.5% year-over-year; Liquidity & Demand 12.0 months of supply; Owner Commitment 81% owner-occupied; Pricing Power 91.7% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a TWIN LAKES ESTATES buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed TWIN LAKES ESTATES sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in TWIN LAKES ESTATES, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your TWIN LAKES ESTATES home worth?
Get a no-obligation home value based on real comparable sales in TWIN LAKES ESTATES, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in TWIN LAKES ESTATES on the map →
Frequently Asked Questions
What is the median home price in TWIN LAKES ESTATES?
How long do homes in TWIN LAKES ESTATES take to sell?
Is TWIN LAKES ESTATES a buyer's or seller's market right now?
How many homes are in TWIN LAKES ESTATES?
What share of TWIN LAKES ESTATES is owner-occupied?
When were the homes in TWIN LAKES ESTATES built?
Do cash buyers compete in TWIN LAKES ESTATES?
Who is the best real estate agent for TWIN LAKES ESTATES?
How do I find a top UMATILLA real estate agent who knows TWIN LAKES ESTATES?
Can Momentum Realty connect me with an agent for TWIN LAKES ESTATES?
Nearby Communities
Explore more neighborhoods near TWIN LAKES ESTATES with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: August 2, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (4 streets, ZIP 32784)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Historical depth | Closed-sale records back to 2005 (29 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live your area comps.
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See how TWIN LAKES ESTATES fits the bigger picture — live prices, inventory, and Momentum Scores:
More Umatilla & Lake County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Lake County or the full Neighborhood Finder.